Home Depot Home Depot Credit card ripoff Santa Barbara CA Nationwide

Gees..based on what you wrote here I have no idea how you have(had) a Credit Score of 814, but I can tell you that it wasn't through proper credit management.

First of all your statements have a due date, that is the date that the company must receive the payment by, not the date it has to be postmarked by.  So if you are sending checks you MUST make sure that you send it in plenty of time for it to be received and processed.  But you are so smart you already know this...right?  Well then how come the one date you constantly left off of your report is the date you sent the payment each month?

I think the reason is clear.  Most likely you didn't give your payments enough time to arrive by the due date.  As a result you were charged the correct fees and interest. 

You also seem to attempt to make it sound as if it is some sinister plot to not have Home Depot return your check for a payment you made.  Well nice try but NO store will return a check that you pay them with.  If you want a copy of the check you sent with the information of when it was cashed you need to contact your bank.

Perhaps you should spend a little less time just writing checks for random amounts and creating web sites, instead spend more time just making sure you just pay the amount owed BEFORE the due date. 

Now onto the "give me a break" category.  YOU decided out of your own free will to just send what is basically random amounts of money to them.  After all you sent $65 when your bill was only $42.70(and your other payment on the way).  Then you sent over $100 more than required.  So any complaints about them not sending your money back or trying to charge them interest is laughable and 100% on you and your actions. 

Oh and one final thing.  Since you obviously have access to the Internet you could have just gone to their site and made your payment on-line that would have given you absolute proof of when they received it because you get a confirmation number with not only a date but also time.  So if you are so convinced that they are scamming you(which they are not) this would have thwarted their efforts.

You can see the bills at ,homedepotbadstore.com